Home-Guard Policy

Thank you for considering the Home-Guard policy. This page should help you make an informed decision about the insurance coverages we offer and the coverages you need.

The Home-Guard policy provides outstanding protection for your most important asset — your home.

The policy offers a variety of coverages to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

Property Coverages


  • The dwelling located on the described premises
  • Construction materials at the premises for use with your dwelling

Other Structures

  • Other structures located on the premises
  • Construction materials at the premises for use with other structures
  • Sidewalks and driveways
  • Privacy or decorative fences

Personal Property

  • Personal property located at the premises
  • Automatic coverage for personal property temporarily away from premises

Additional Living Expenses and Loss of Rents

  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

  • Debris Removal
  • Emergency Removal of Property
  • Necessary Repairs After Loss
  • Trees, Shrubs and Plants
  • Refrigerated Products
  • Outside Radio/Television Equipment and Satellite Dishes
  • Credit Card
  • Loss Assessment
  • Collapse

Home-Guard Select

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard Select policy. These additional coverages include:

  • Open perils coverage for the dwelling
  • Increased limits on additional coverages
  • Increased limits on certain items of household personal property
  • Replacement cost for the dwelling and household personal property

Premium Credits

Your home may qualify for a discount. Contact your agent for possible premium discounts.
Ask your agent for details on the various limits of coverage, our convenient payment plans and for other valuable features offered by the Home-Guard policy.

Personal Liability Protection

Public Liability

  • Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments

  • Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others

  • Covers property damage to property of others which you borrow or use

Optional Coverages


  • Fire Department Charges
  • Inflation Guard
  • Farm/Household Operations Records
  • Earthquake
  • Water Backup
  • Condominium Unit Owners
  • Scheduled Personal Property
  • Refrigerated Products
  • Replacement Cost for Household Personal Property


  • Incidental Business Activities
  • Business Pursuits
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Contractual Liability
  • Waterbed
  • Additional Insured
  • Additional Premises